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Trying to find a loan? You’ve come to the right place!

Trying to find a loan? You’ve come to the right place!
Personal Loans up to $10,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Looking for an online loan? 

If you’re trying to find a loan then you might have come to the right place. Jacaranda Finance is the online lenders more Aussies are trusting to provide $300 – $10,000 cash quickly. We want to make it easier for Australians to access the cash they need without all the fuss of traditional lenders. You can apply for a loan with Jacaranda 100% online whenever you like and we could get back to you with an outcome in just 60 minutes.* So, stop googling ‘find me a loan’ and apply with Jacaranda Finance today! 

What is a personal loan? 

A personal loan enables you to borrow an amount of cash based on the agreement that it will be repaid over a certain amount of time. Consumers can apply for a personal loan with a bank, credit provider or online lender. In most cases, lenders will assess a personal loan application based on the borrower’s credit score and current financial situation. If you’re trying to find a loan online it is important to do your research before deciding on a lender. 

Jacaranda Finance 

Jacaranda Finance provides personal loans between $300 and $10,000 that can be repaid over a period of 12 – 24 months. At Jacaranda, we do things a little differently. Our team take a realistic approach to online lending. We do not disregard applications from consumers who have bad credit or are receiving Centrelink. Our team understand that when you are trying to find a loan the last thing you want to worry about is your credit score getting in the way. So, if you’ve previously applied with a traditional lender and have been declined, why not apply with Jacaranda for the fair go you deserve.

A personal loan application with Jacaranda is 100% online. We are moving with the times. This day in age you can purchase pretty much anything online, so why should finding a loan be any different. You can apply for a loan online in just a few minutes. The application costs nothing. If you’re unsuccessful you won’t be asked to pay a cent. You could find a loan online right now with Jacaranda Finance. Why not scroll up and use our ‘find me a loan calculator’ right now.

How can I apply? 

Keen to find out how you can find a loan with Jacaranda? It’s pretty simple and could only take you a few minutes. So, don’t waste time googling ‘please help me find a loan’, just follow these easy steps:

Apply online

The entire process is 100% online. Just scroll up and use our ‘find me a loan calculator’ to input your desired amount and the repayment period. 

Fill out your form 

The Jacaranda team will just need a few of your important details. We’ll ask you to fill out a simple online application form so we can get down to assessing your application. This could only take you a few minutes to complete. 

We assess your application 

You can kick back and relax, our team will assess your loan application. We conduct our assessments as fast as possible, we won’t waste your time. If you apply during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes.

Sign your contract

If we’ve successfully found you a personal loan our team will send over an agreement for you to sign. Jacaranda encourages all consumers to read through their agreement carefully and make yourself aware of any fees or charges that could incur. We will always be honest with our applicants. You can get in touch with the Jacaranda team if you’ve got any questions. When you’re satisfied with your agreement, just sign it and send it back to us. 

Get your money 

Once we receive your signed agreement, Jacaranda will transfer the cash straight to your account. Jacaranda now offers instant banking. That means the cash could be in your account and ready to use in just 60 seconds.**  

Can I get a bad credit loan? 

Jacaranda can and does offer bad credit personal loans to eligible applicants. Basically, we look at more than just your credit score when assessing your application. Our team look at your income, spending habits and existing financial commitments to determine whether or not a personal loan is an appropriate financial decision. At Jacaranda, we do not lend cash to individuals who do not have the ability to meet repayments. That’s why our team will always conduct a credit score check to make sure a possible loan product will not put you in debt. 

Can I get a payday loan?

If you’ve been googling ‘find a payday loan’ it is important to highlight that Jacaranda does not provide payday loans. Traditionally, a payday loan is a loan that is taken out and then paid in full when the client receives their next paycheck. These types of loans are now illegal in Australia but nowadays, ‘payday’ loans are typically synonymous with SACC loans. At Jacaranda, we can provide loans up to $10,000.

A SACC is a ‘small amount credit contract’ and covers loans up the value of $2,000. A SACC is an unsecured loan meaning you will not need to attach collateral as security. At Jacaranda Finance, SACCs are repaid over a maximum period of 12 months. 

Who can apply?

If you’re ready to apply with Jacaranda you’ll need to be aware of our application criteria. The good news is we keep it pretty simple: 

  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90 days into a bank account that is your own;
  • Applicants must have an active mobile phone number and email address that we can contact you on; 
  • You must have internet banking set up.

What documents will I need to show?

The Jacaranda team won’t ask you to fill out any paper forms when you apply for a personal loan. All you’ll need to do is upload a few important documents online. Here is was we suggest you have handy when you apply to find a loan with Jacaranda:

  • Personal details like your online banking & employment info; 
  • An active email address and mobile number;
  • The reason you are applying for the loan; 
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer and contact details.

Will Jacaranda call my boss?

Yes, in most cases we will conduct an employment check when assessing your loan application. All this means is that our team will get in touch with your employer to verify a few important details. There is no need to stress, this is just routine. You won’t have to worry about security either. The Jacaranda team will never disclose any of your personal information whilst conducting an employment check – we won’t even disclose the reason why you are applying for a personal loan. 

Why do I need to show you my online banking details? 

We use your online banking details to view read-only copies of your bank statements. Bank statements allow us to view your spending habits and income. This gives the Jacaranda team a better idea of whether or not a personal loan is right for your individual circumstances. If you’re worried about the security of your information, don’t. Jacaranda uses bank-level encryption to ensure no one will ever see your passwords or personal details. 

If you’ve got questions about this process you can get in touch with the team or head to our FAQ page for more information.

How much does a loan cost? 

Are you wondering how much a personal loan could cost you? Maybe you’ve been googling ‘how to find the annual interest rate on a loan’ or ‘how to find the monthly payment on a loan’? At Jacaranda, we’ve got our handy loan calculator to answer these questions. You can also head to our costs page for a more thorough breakdown. Scroll up and use the calculator to get a better idea of the costs associated with a possible personal loan from Jacaranda. Every individual’s financial circumstances are different, that means we can not predict the exact costs associated with a possible personal loan without conducting a full assessment.

How do I repay my loan?

At Jacaranda, repaying your personal loan couldn’t be easier. The team will do their best to arrange your repayments in line with your income so there will always be cash in your account on the payment day. That means you could avoid incurring late payment fees on your loan. Your repayments will be directly debited from your account so you will never have to worry about making a repayment manually. 

If you don’t think you’ll be able to make repayments it is important that you get in touch with our team straight away. At Jacaranda, we do our best to make alternative arrangements if contacted 24 hours before payment is due.

No hidden fees or charges 

At Jacaranda, we believe in being 100% honest and transparent with our borrowers. The terms and conditions, as well as any possible fees or charges,  will be clearly outlined in your contract. We encourage borrowers to read through their agreement and get in touch with our team if they have any concerns regarding their agreement. Jacaranda is proud to be a responsible lender, we comply strictly with the code of responsible lending and, therefore, do not impose sneaky fees on personal loans. 

Our commitment to you

We want our customers to love Jacaranda as much as we do. Our team are here to make your experience as simple and stress-free as possible. We pride ourselves on providing the best possible customer service at all times. We’re always here to help and encourage borrowers to get in touch with any queries on concerns. 

Where to read more

Need to find a loan for a specific purpose? Jacaranda can provide loans to cover everything from vet bills to medical bills. Want to put in a pool this summer? Jacaranda even has a loan for that! So, don’t hesitate to get started on your application today!

*Subject to when you submit your application

**Only available for NPP enabled bank accounts.

Reviews don’t lie 🌟

Reviews current as of Aug, 2020.

Our low rates

Our low rates

💰 Personal Loans starting from 7.59% (12.24% p.a. Comparison Rate)

🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.